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I think the bottom line is that people have to be better prepared for retirement and plan for it early in their careers. To expect to be able to retire in Hawaii one can't just hope it will happen - hope is not a strategy.

I think the bottom line is that people have to be better prepared for retirement and plan for it early in their careers. To expect to be able to retire in Hawaii one can't just hope it will happen - hope is not a strategy.

I agree, except I would expand it to anywhere you choose to retire. Like the boyscouts say, always be prepared!